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HDFC ERGO Two Wheeler Insurance Policies give you the freedom to ride your two-wheeler with complete peace of mind. Opting for long term two wheeler insurance assures savings against annual third party premium hike. Additionally, the No claim bonus discount feature in two and three years policies rewards you for every claim-free year. A comprehensive two wheeler policy offers total protection against possible threats of accidental damage and third party liability. Unlike third party liability only, a comprehensive two wheeler policy for long term is a friend for your bike or scooter.

Are you already holding a Third Party Liability Policy?

Third party liability is a motor insurance policy that doesn’t cover your vehicle against any accidental damage or theft. It is a mandatory policy, which covers third party losses and legal liabilities. In case you already hold a third party liability policy, then it’s always recommended to opt for a comprehensive policy for an all round protection.

What is two wheeler insurance?

Two wheeler insurance policies are designed to offer a cover to your beloved bike and protect it against uncertainties such as theft, accident and natural calamities.


Key Highlights

Why choose HDFC ERGO Two Wheeler Long Term Insurance Policy?

  • NCB discount remains protected for multiple years irrespective of claims taken in the policy tenure – This happens only if someone opts for NCB discount protection, this is not an inbuilt feature

  • More savings with increase in annual increase in TP premium in subsequent years

  • Savings in the form of discount for long term policy

  • Option of buying 3 years long term insurance in a single transaction

  • Wide range of IDV (Insured Declared Value) to choose from



Why choose HDFC ERGO Two Wheeler Insurance?

  • 24*7 Support HDFC ERGO offers round the clock support for convenience and a hassle-free experience. You can call us on 1800 2700 400 or write an e-mail to :

  • Zero Documentation You need not go through lengthy procedures for buying online car insurance policy

  • Trusted by Millions With over 75 lakhs happy customers, HDFC ERGO is a recognized brand for taking care of your insurance needs. The brand has been assigned ‘iAAA’rating by ICRA indicating its highest claim paying ability.

  • Fair and transparent claim settlement policies HDFC ERGO Motor Insurance claims are settled with utmost transparency



Benefits of Long Term Two Wheeler Policy

HDFC ERGO provides you with the option of buying a two-wheeler policy up to period of 3 years. The major benefits of buying a long term two wheeler Insurance policy are as follows:

The coverage for your Vehicle would depend on the manufacturer’s listed selling price less depreciation for each year or the IDV (Insured’s declared Value). The IDV would be the maximum amount payable in the event of a claim for Total Loss / Theft.

  • Long term protection in a single policy

  • Purchasing a long term policy gives you a break from the hassle of annual renewals

  • Save on annual third party premium increase by buying long term policy

  • The third party premium may increase as per regulatory guidelines every year, by buying long term policy, the Third Party component of your premium gets fixed at the current rate resulting in effective saving overall during subsequent years.

  • Benefit and Protection of NCB discount

  • Irrespective of the claims taken during policy tenure, No Claim Bonus discount remains protected during entire policy tenure.

  • You are rewarded with a discount on the policy amount when you purchase a long term two wheeler policy



What gets covered under Two Wheeler Comprehensive Insurance?

Own Damage Cover

This cover insures any financial loss arising due to damage or theft of the insured vehicle. The major scenarios are as mentioned below:

  • Loss or damage due to theft of insured vehicle

  • Loss or damage of the insured vehicle in case of accident

  • Loss or damage of the insured vehicle due to natural disaster

Third Party Cover

This cover insures any financial loss arising due to damage or theft of the insured vehicle. The major scenarios are as mentioned below:

  • Insures any financial loss arising due to injury or death of a Third Party caused in the case of accident of the insured vehicle.

  • Insuresthe damage to property of a third party in case of an accident involving the insured vehicle

  • Includes personal accident cover for the owner or driver for accident caused involving the insured vehicle. The owner or driver is insured for Rs. 1 lac to cover for accidental death or total disability scenarios



Premium depends upon the following factors

IDV – Known as Insured declared value or the sum insured of the policy. It is calculated based on the manufacturer’s listed selling price and is depreciated each year to account for wear and tear of vehicle. The IDV of the vehicle on the policy is very important as this is the amount that would be payable by the company in case of theft or total loss subject to applicable to excess or deductibles as per the policy terms & conditions

Age of the vehicle – Apart from being used to calculate the IDV, it may also be used to determine the discounting and add-on rates in premium calculation

Engine Capacity – The engine capacity of the vehicle may determine the - premium especially Third Party, for the insurance of the policy. There are multiple slabs of engine capacity and premium rate goes up as the capacity of the engine increases

No claim Bonus – The no claim bonus discount is given to the customer for each claim free year the vehicle has been insured. In case of a claim, accumulated No claim Bonus discount becomes zero.

Place of Vehicle Registration – The place of vehicle registration also has a bearing on the premium of the policy



What does not get covered?

  • Contractual liability claims

  • Wear and Tear of the vehicle, Damage caused by a person without valid driver license, Mechanical or electrical breakdown of the vehicle

  • Damage caused by a person under the influence or alcohol or drugs

  • Loss or damage caused by war/nuclear risks/mutiny

  • Periodic depreciation or any consequential loss

*Please note that the above mentioned points are illustrative exclusions. Kindly refer to policy wordings.

*This content is descriptive only. Actual coverage is subject to language of the policy issued.




What is HDFC ERGO Long Term Two Wheeler Comprehensive Insurance?

It is an insurance policy to cover your vehicle against potential risks of theft, accidental damage, third party liability and others from one to three years period through a single policy document. Please select appropriate choice, while buying policy Online

What benefits shall I get on Long Term policy?

You shall have following benefits over single year policy:
  • Convenience of insurance, protection for long term

  • Longer policy duration means “No worry for annual renewals”

  • NCB protection during policy period irrespective of claim status of your vehicle

  • Third party premium by regulator gets fixed today for full policy period i.e. buy two or three years policy today to realize your saving

How to buy multiyear two wheeler insurance policy?

  • Simply Click here

  • Fill-in your vehicle details and calculate premium

  • Our system will give you option to buy single year, two year and three years policy period

  • Select the desired option and proceed to buy policy

  • Make payment online by using your Credit Card or debit card or online bank account or Paytm Wallet

Can I renew other insurer policy with HDFC ERGO online?

Yes. Simply Click here, provide minimum details and buy HDFC ERGO Motor Insurance Policy online without any documentation. Also avail benefits of the No Claim Bonus earned by you in full.

My existing policy has expired! What to do?

Simply Click here and follow instructions online to buy policy in 3 easy steps, that too without any documentation requirement from us